How much your annual premium will increase depends on a variety of factors: whether your teen has good grades, is male or female, or graduates from an accredited drivers education course, for example.

But a one-car family might expect their annual premium to jump 44 percent when they add a teen to their policy, according to number crunchers at Insurance.com.

You can ease the sticker shock, say experts, with a bit of planning and discipline, for you and your child.

Want the good-grade credit?

"Are you a parent that encourages them to study? You need to start before they're even driving," said Robert O. Weagley, professor and head of the University of Missouri's Personal Financial Planning department. "And start instilling discipline in them early."

Want them to be safe drivers? Then don't text/eat/chat on a cell phone/tailgate while driving. "Don't get mad at them when they do it," said Weagley, a father of three, the youngest a college student. "Just go look in the mirror."

"Be good role models for teens, because they learn by example," said Loretta Worters, of the New York-based Insurance Information Institute. "If you drive recklessly or you're eating french fries, your teen driver is going to imitate you."

And expect them to have minor fender benders.

"The chances of the kids having a small fender bender is pretty great," said Weagley, "and to the extent that you can pay it out of pocket or paying it out of your emergency fund as opposed to turning it in, then that's all the better."

Although laws vary by state and discounts vary by insurance company, here are some things to consider when trying to save money on your auto-insurance premiums:

From the experts

"Your rates are going to go up if they have an accident. … If they've already had a drivers education course, have them go back in and get a refresher course. Companies may view it as you're getting them to learn how to drive better."

Also: "Raise your deductible. Going from a $250 to $500 or $1,000 deductible can save you 10 percent to 20 percent on your premium."

— Loretta Worters, Insurance Information Institute

"Anytime you have anything that you think is positive that's in your favor, make sure that (your agents) know it."

Also: "What's it worth on the market if you total the car? At a certain point, (say) the car is worth $3,000, $4,000, why do I need any insurance on that car? Because if it is in a bad wreck, it's going to take $5,000 or $6,000, $7,000, and all they're going to give me is $4,000. So why do I want to buy insurance on $4,000?"

— Robert O. Weagley, professor and head of the University of Missouri's Personal Financial Planning department.